How to open a bank account during my studies in Barcelona
If you are going to reside in a student flat in Barcelona for several months, it is recommended that you open a bank account. This way, it will be much easier to have control of your expenses and your income, and you can also have cash withdrawing at any of the ATMs that you will find throughout the city.
Another advantage of having a Spanish bank account is that, at Barcelona Student Housing we offer you the possibility of domiciling the monthly amount of your rent during the time you are staying in our student apartments. If you do not have a Spanish bank account, you must make the payment each month by entering your credit card information through our virtual payment gateway. Having a Spanish bank account allows you to take care of the payments, especially if you are focused on your exams or have left a few days of travel.
The first thing that you will have to do will be a comparison between what the different banks offer you, since each one has its own particular conditions, and some offer special advantages to young students.
It is important that you take into account the network of ATMs of the chosen bank, since if you withdraw cash in ATMs that are not from that network they will charge you commission. Choosing a bank that has a wide network of ATMs will save you time and money. Remember that in almost all stores accept card payments, even for small amounts, so we recommend that you do not go with too much cash on top.
If you have just arrived in Spain and you have not yet processed your NIE, you can request to open an account as a non-resident, how?
You will need a non-resident certificate to process your account, so to get it you have two options:
The most comfortable: Go to the bank only with your passport and ask your bank to be responsible for processing the certificate. This will cost approximately 15 euros. Although it is the most comfortable way, it is not the fastest. You will not be able to open the account immediately, but it will take a few days.
If you want to have your account as soon as possible and save 15 euros from the management of the bank, you can take care of yourself to get the non-resident certificate. The certificate is requested at police stations or at the Immigration Offices.
You have more information on how to obtain your certificate here
With the certificate and your NIE you can go to the bank to request the account, which you can open immediately.
If you have questions and need assistance or recommendation, do not hesitate to check with the Barcelona Student Housing team upon arrival in Barcelona. We will be happy to help you throughout the process.